Perpetual KYC Lifecycle

Event-driven due diligence: monitored, trigger, re-review, clearance, escalation and exit

Perpetual KYC Lifecycle Event-driven due diligence: monitored, trigger, re-review, clearance, escalation and exit 01 / Review phases 02 / Escalation 03 / Terminal exit Onboarded · CDD baseline set · Review phases · entry 01 Onboarded CDD baseline set entry Monitored · continuous screening · Review phases · steady 02 Monitored continuous screening steady Triggered · risk signal fired · Review phases · event 03 Triggered risk signal fired event Re-Review · targeted refresh · Review phases · refresh 04 Re-Review targeted refresh refresh Cleared · risk re-scored · Review phases · resolved 05 Cleared risk re-scored resolved EDD Review · enhanced diligence · Escalation · elevated EDD Review enhanced diligence elevated Outreach · await documents · Escalation · pending Outreach await documents pending SAR Filed · FIU notified · Terminal exit · terminal SAR Filed FIU notified terminal Offboarded · exit relationship · Terminal exit · terminal Offboarded exit relationship terminal Legend active state waiting terminal success failure / exit

Review Rail

  • • Onboarding sets the customer due diligence baseline
  • • Monitoring is continuous, not a calendar event
  • • A cleared customer is re-scored and returns to monitoring

Escalation

  • • A high-risk trigger routes to enhanced due diligence
  • • Outreach pauses for refreshed evidence from the customer
  • • Wait states expose the event needed to proceed

Terminal Exits

  • • Confirmed suspicion ends in a regulatory report
  • • Unanswered outreach or unacceptable risk offboards the customer
  • • Terminal states do not point back into active review

Lifecycle diagram • Built with Archify • Create yours ↗ • Hover to trace • R route • Click to focus • +/− zoom • M radar • [/] views • P play story • T theme • E export